As a Divemaster assisting an insured instructor with classes, am I covered under the instructor’s professional liability policy?
No. Divemasters, assistant instructors, instructors and retired instructors may not be Additional Insureds on the instructor’s policy, but must obtain their own insurance policy. Divemasters in training are covered under an insured instructor’s policy. Divemasters, Assistant Instructors and Instructors may be covered under a dive store/resort’s Instructional Policy purchased by the store/resort. In this instance, the individuals are insured for store-sponsored events only.
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